ELV vs CI Comparison: AI Score, Valuation, Performance and Upside
Compare Elevance Health's Medicaid/Medicare Advantage mix against Cigna's PBM-heavy model on medical loss ratio and growth.
Use this Elevance Health vs Cigna comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
ELV holds the edge across 3 of 5 key metrics in this comparison. ELV has delivered stronger 1-year price return (+23.85% vs -5.01%), though CI has the better forward P/E setup (8.33x vs 13.32x for ELV). On fundamentals, CI is growing revenue faster (6.70%), while ELV maintains the higher operating margin (4.56%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for CI (+22.42%) than for ELV (+13.86%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
| Metric | ELV | CI |
|---|---|---|
| AI scorei | 53.0 | 42.0 |
| AI ranki | #315 | #884 |
| Latest closei | $394.59 | $271.83 |
| 1M returni | +0.04% | -2.53% |
| 6M returni | +38.55% | +5.33% |
| 1Y returni | +23.85% | -5.01% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | ELV | CI |
|---|---|---|
| 1Y ago | $12.34K (+23.4%) started 2025-09-29 | $9.48K (-5.2%) started 2025-09-29 |
| 5Y ago | $11.08K (+10.8%) started 2021-09-29 | $15.08K (+50.8%) started 2021-09-29 |
| 10Y ago | $39.44K (+294.4%) started 2016-09-29 | $24.19K (+141.9%) started 2016-09-29 |
Hypothetical — past performance does not guarantee future results.
| Metric | ELV | CI |
|---|---|---|
| Market capi | $85.54B | $73.69B |
| Trailing P/Ei | 17.45 | 11.53 |
| Forward P/Ei | 13.32 | 8.33 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 0.39 | 0.35 |
| Analyst targeti | $449.10 | $341.42 |
| Target upsidei | +13.86% | +22.42% |
| Metric | ELV | CI |
|---|---|---|
| Revenue growthi | 1.40% | 6.70% |
| Earnings growthi | -13.10% | 10.20% |
| EPS growthi | -13.10% | +10.20% |
| FCF margini | +2.14% | +2.83% |
| Operating margini | 4.56% | 3.98% |
| Profit margini | 2.47% | 2.27% |
| ROIC proxyi | 11.13% | 16.76% |
| Return on equityi | 11.13% | 16.76% |
| Dividend yieldi | 1.72% | 2.24% |
| Payout ratioi | 30.34% | 25.39% |
| Dividend growth streaki | No increase yet | No increase yet |
| Betai | 0.69 | 0.32 |
| Debt/equityi | 68.95 | 74.29 |
| Current ratioi | 1.52 | 0.85 |
| Quick ratioi | 1.37 | 0.69 |
Over the past year, ELV and CI have moved moderately in the same direction (correlation of 0.47), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | ELV | CI |
|---|---|---|---|
| 1Y | Growthi | +23.43% | -5.17% |
| CAGRi | +23.51% | -5.18% | |
| Volatilityi | 34.98% | 32.87% | |
| Sharpe ratioi | 0.66 | -0.13 | |
| Sortino ratioi | 0.89 | -0.17 | |
| Max drawdowni | 26.49% | 21.41% | |
| Current drawdowni | 7.54% | 12.59% | |
| Avg drawdowni | 8.25% | 9.71% | |
| Ulcer Indexi | 10.77% | 10.47% | |
| Max daily dropi | 14.33% | 17.39% | |
| Max wkly dropi | 13.18% | 19.01% | |
| 5Y | Growthi | +6.01% | +41.64% |
| CAGRi | +1.17% | +7.21% | |
| Volatilityi | 29.65% | 28.34% | |
| Sharpe ratioi | 0.04 | 0.23 | |
| Sortino ratioi | 0.05 | 0.32 | |
| Max drawdowni | 50.60% | 32.77% | |
| Current drawdowni | 29.03% | 25.22% | |
| Avg drawdowni | 18.22% | 12.07% | |
| Ulcer Indexi | 23.03% | 14.93% | |
| Max daily dropi | 14.33% | 17.39% | |
| Max wkly dropi | 18.71% | 19.01% | |
| 10Y | Growthi | +251.95% | +123.89% |
| CAGRi | +13.41% | +8.40% | |
| Volatilityi | 31.18% | 30.74% | |
| Sharpe ratioi | 0.42 | 0.27 | |
| Sortino ratioi | 0.59 | 0.38 | |
| Max drawdowni | 50.60% | 42.47% | |
| Current drawdowni | 29.03% | 25.22% | |
| Avg drawdowni | 12.54% | 13.22% | |
| Ulcer Indexi | 17.61% | 16.25% | |
| Max daily dropi | 17.13% | 17.39% | |
| Max wkly dropi | 29.13% | 23.67% |
| Category | ELV | CI |
|---|---|---|
| Company | ELV | CI |
| Sector | Healthcare | Healthcare |
| Industry | Healthcare Plans | Healthcare Plans |
| Core business | Elevance Health, Inc., together with its subsidiaries, operates as a health benefits company in the United States. | The Cigna Group, together with its subsidiaries, provides insurance and related products and services in the United States. |
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